New here - please help :-(

Frith

Hi, RAS.

Email waiting for you!

Liz

Frith

Just to throw a spanner into the works, a vacancy has come up at my sons' school (where I have been a volunteer for over a year)....

The pay isn't marvellous and I don't know whether it'll leave me worse off! I have sent off for the application pack anyway.

Liz

RAS

Acey

Thanks for the info - more ********* demands for data at nil notice here.

One of the best options for you would be to go to www.entitledto.com and see what you would get.

Then post a revised SOA on here and we can work out what your minimum takehome plus benefits needs to be to keep you solvent.

Frith

Don't know if this will work! My pay would be:


£7,225 - £9,030 per annum26.25 hours per week, term time only

Entitledto says: (I put that I was starting work today)

£51.45 working tax credit per week
£81.13 child tax credit per week

also

council tax benefit of..... £10.26 per week
child benefit of £30.20

doesn't seem to be any housing benefit.

Frith

I'm thinking I may actually be worse off...

SOA
Mortgage £350
Endowment £84
Car insurance £20
House insurance £15
Council tax £84 (ish)
Electricity £80
Water £8.10
Phone £30
TV £35 per quarter
Food etc £40 per week
Petrol £10 per week
Debt to tax credits £10 per month
Debt to MCS £1 but they'll be wanting more!

Liz

P.S AND....... it is rumoured that the ex has a job (after 3 years....) My bigger son tells me he is working in an old people's home. So I felt a little chat with the CSA was in order.

RAS

ACEY wrote: »

Don't know if this will work! My pay would be:


£7,225 - £9,030 per annum26.25 hours per week, term time only

Entitledto says: (I put that I was starting work today)

£51.45 working tax credit per week
£81.13 child tax credit per week

also

council tax benefit of..... £10.26 per week
child benefit of £30.20.

That is £774.07 per month in benefits if the Cb is weekly?

plus I estimate 399.34 in income, averaged across the year, if that is the salary, but if it is pro rata, then it is £296 per month averaged across the year.


but, big BUT, I am not sure what happens with the benefits when you are not working out of term time. Would they be reduced? if so the average benefits is likely to be £550 - 600 ish?

You could find yourself having to deal with 6 changes in circumstances in CTB, CTC, WTC a year?

You really do need advice on this before you go further.

Can you PM debt doctor, as he might know?

ACEY wrote: »

doesn't seem to be any housing benefit.

You do not get HB if you are employed and you are on a mortgage,and even if you did, it would only cover the first mortgage.

RAS

Your bare minimum

But

Car tax, MOT, repairs?

House repairs

Clothes and shoes (the latter more than the former)

ACEY wrote: »

SOA
Mortgage £350
Endowment £84
Car insurance £20
House insurance £15
Council tax £84 (ish)
Electricity £80
Water £8.10
Phone £30
TV £35 per quarter
Food etc £40 per week
Petrol £10 per week

That's £807.60 per month


Debt to tax credits £10 per month
Debt to MCS £1 but they'll be wanting more!

I would assume both wanted more?

Frith

The salary is spread out over the whole year which does away with signing off and on. But it makes the salary smaller each month! It doesn't say it is pro rata anywhere. I know one of my colleagues gets £7.50 an hour.

Yes, car tax... its about £60 twice a year (small car), last MOT was £110 including repairs and the fee for the test.

House improvements - well, it hasn't been improved much in the last 9 years (except for my lovely new heating!)

Clothes and shoes..... I can't remember the last time I bought something that wasn't from a 2nd hand shop. Luckily, I'm not very interested in that sort of thing and in fact own one pair of shoes and one pair of trainers.

Child benefit, sorry, yes, its £30 per week. The council benefit figure I gave was also weekly.

I'm now off down south to stay with some friends from Uni. :beer:

Liz

Frith

Good to be back on a PC after the half term break! I now have the application form in my bag, typed and signed....

Heaters working well, upstairs is too warm (have never had heating in a bedroom before!) but downstairs is not quite as hot as it was with the stove lit.

Nothing else to report, ex is still mad, is taking them to Cadburys World because I took them in half term (not somewhere you'd want to go twice in a fortnight), made a big point of showing me his *new* satnav and, ever predictable, is applying for the same vacancy as me at my son's school.....

Liz

Frith

Got my old PC from mum and dad's yesterday (the old one is still broken, this is the old, OLD one!) and after several hours of fiddling about, I'm online at home again!

Have not quite mastered repairing the washing machine yet. :-S

Liz